Capital One
Quicksilver Rewards for Good Credit from Capital One
Earn unlimited 1.5% cash back on all purchases with no annual fee, no foreign transaction fees, and complimentary concierge service.
Annual fee
None
Top rate
1.5x everything else
Quick look
Unlimited 1.5% Cash Back
On every purchase, every day
3.1
out of 5
Rewards
Fees
Welcome bonus
Perks
Value
Overall score is a weighted average: Rewards 20% · Fees 20% · Welcome bonus 20% · Perks 20% · Value 20%.
Ideal for
Cardholders with good credit who prioritize simplicity over signup bonuses and plan to pay off their balance in full each month.
The verdict
The Quicksilver Rewards for Good Credit is a straightforward cashback card that does one thing well: earning 1.5% on everything without an annual fee or foreign transaction charges. That simplicity appeals to disciplined payoff-in-full spenders who want reliable value without rotating categories to track. The catch: no welcome bonus, no intro APR, and a 28.99% variable rate that's steep for the good credit tier. Skip it if you're chasing first-year value; pick it if you want a dependable no-fuss earner that covers all your bases without surprises.
For pure comparison, Capital One's own Quicksilver Cash Rewards card offers the same rewards but adds a welcome bonus—if you have excellent credit, that's the stronger play. Among no-fee cashback alternatives like the Chase Freedom Unlimited or BankAmericard Unlimited, you'll find competitive rates and better signup incentives.
Pros
- 1.5% cash back on all purchases—no category tracking or activation needed
- No annual fee and no foreign transaction fees make it practical for everyday and travel spending
- Straightforward rewards structure appeals to card users who dislike rotating bonuses and enrollment
Cons
- No welcome bonus, while direct competitors like Chase Freedom Unlimited and BankAmericard offer $250+ sign-up payouts
- 28.99% variable APR is high for the good credit segment and costly if you carry a balance
- No intro APR on purchases or balance transfers, limiting flexibility for new cardholders
Reward rates
| Category | Rate | Details |
|---|---|---|
| Everything else | 1.5x | Unlimited 1.5% cash back on every purchase |
The 1.5% flat rate ranks in the middle of the no-fee cashback field—28 other cards in the catalog beat it on baseline earning. What sets this card apart is the absence of rotating categories: you earn the same rate everywhere, every time. The 5% on Capital One Travel bookings is a narrow bonus (you must book through Capital One's portal, not direct with hotels or rental agencies) and appeals mainly to cardholders already concentrating travel spend there. For most users, think of this as a 1.5% card.
Fees and APR
Does it pay for itself?
At $0, this card pays for itself on every purchase that doesn't go on a 0% APR card. If you pay your balance in full monthly, the no-fee structure is pure upside. The risk: cardholders who slip and carry a balance will face the 28.99% APR, which erodes any cashback value in months.
Similar cards
Earns the same 1.5% flat rate but comes with a $200 welcome bonus—worth pursuing if you can meet spend thresholds
Capital One's premium Quicksilver with identical earning rates but an added sign-up bonus; better choice if your credit score qualifies
Frequently asked questions
Is the 1.5% cash back actually unlimited, or are there caps?
Truly unlimited. Capital One caps neither the dollar amount of cash back you can earn nor the number of times you can earn rewards. As long as the card is open and in good standing, there's no ceiling.
What's the deal with 5% cash back on Capital One Travel?
Capital One operates its own travel booking portal, and booking hotels, rental cars, or vacation rentals through it earns 5% instead of 1.5%. The catch: you must use the portal, not book directly with the provider. It's a narrow win unless you already live in Capital One's travel ecosystem.
How does this card compare to the regular Capital One Quicksilver?
Both earn 1.5% on all purchases with no annual fee. The main difference is the welcome bonus—the regular Quicksilver offers one, this good-credit version doesn't. If your credit score qualifies for Excellent, choose the standard Quicksilver.
Will a high APR hurt me if I use this card responsibly?
No, if you pay in full monthly. The APR only applies to unpaid balances carried past the due date. For payoff-in-full spenders, it's irrelevant. For anyone prone to carrying a balance, the 28.99% rate is expensive and erodes all cashback value—consider a card with an intro 0% APR offer instead.
Reviewed by YoungerFinance Editorial · Last updated August 11, 2026